🚗 Terms of Service

1. Acceptance of Terms

By accessing and using the Car Finance Claims Pro website and services ("we", "us", "our"), you ("you", "your", "user") accept and agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and Car Finance Claims Pro.

1.1 Definitions

• "DCA" means Discretionary Commission Arrangement
• "Service" means our car finance claims assessment and complaint letter generation service
• "Platform" means our website and associated technology
• "Personal Data" means any information relating to an identified or identifiable individual

2. Description of Services

2.1 Primary Services

Car Finance Claims Pro provides the following services:

• Eligibility Assessment: Analysis of car finance agreements for potential DCA compensation claims
• Complaint Letter Generation: Professional complaint letters tailored to your specific circumstances
• Claims Guidance: Expert advice on the claims process and next steps
• Progress Tracking: Dashboard access to monitor your claim status
• Support Services: Ongoing assistance throughout the claims process

2.2 Service Limitations

2.3 Technology Platform

Our automated assessment tool uses:

• FCA benchmark rate databases
• Companies House lender records
• Financial Ombudsman Service data
• Legal precedent databases
• Proprietary DCA analysis algorithms

3. Eligibility Criteria

3.1 Qualifying Agreements

Our service covers car finance agreements that meet ALL of the following criteria:

• Agreement start date between 6th April 2007 and 28th January 2021
• Personal Contract Purchase (PCP), Hire Purchase (HP), or Personal Contract Hire (PCH) agreements
• Finance amount between £1,000 and £150,000
• UK-based finance providers and customers
• Complete and accurate information provided during assessment

3.2 Assessment Accuracy

The accuracy of our assessment depends on the information you provide. You must ensure all details are complete, accurate, and truthful. Incorrect information may result in inaccurate assessments and potential claim rejection.

4. Fees and Payment Terms

4.1 Service Fees

• Eligibility Assessment: FREE (no charge)
• Basic Complaint Letter: £29.99 (one-time fee)
• Premium Service Package: £29.99 including:
  • Professional complaint letter generation
  • Dedicated case manager assignment
  • Progress tracking dashboard access
  • Expert support throughout the process
  • Automatic follow-up reminders
  • Financial Ombudsman escalation assistance

4.2 Payment Terms

• All fees are payable in advance via secure payment processing
• We accept major credit cards, debit cards, and digital payment methods
• All payments are processed securely using industry-standard encryption
• VAT is included in all quoted prices where applicable

4.3 Refund Policy

4.4 No Win, No Fee Clarification

Our "No Win, No Fee" guarantee applies to our service fees only. This means:

• If your lender rejects your complaint, we will refund our service fee
• If the Financial Ombudsman Service rules against your case, we will refund our service fee
• This guarantee does not cover any compensation you may or may not receive
• You remain responsible for any costs incurred directly with lenders or regulatory bodies

5. Claims Process and Expectations

5.1 Our Process

1. Assessment Phase (Immediate): Automated analysis of your finance agreement details
2. Document Generation (1-3 business days): Creation of your professional complaint letter
3. Submission Guidance (Ongoing): Instructions for submitting your complaint to the lender
4. Monitoring Phase (8-16 weeks): Tracking of lender response and follow-up actions
5. Escalation (If Required): Assistance with Financial Ombudsman Service referral

5.2 Timeline Expectations

• Lender Response: 8 weeks maximum (as per FCA guidelines)
• Financial Ombudsman Service: 6-12 months for complex cases
• Final Resolution: 6-18 months depending on case complexity

5.3 Your Responsibilities

5.4 Success Rates and Outcomes

While our assessment algorithms are highly sophisticated, we cannot guarantee outcomes. Historical data shows:

• Approximately 65% of assessed cases result in some form of compensation
• Average compensation ranges from £1,500 to £8,000 per case
• Complex cases may require Financial Ombudsman Service intervention
• Some lenders settle more quickly than others

6. Limitations and Disclaimers

6.1 Service Limitations

6.2 Liability Limitations

To the maximum extent permitted by law:

• Our total liability is limited to the fees paid by you for our services
• We are not liable for any indirect, consequential, or punitive damages
• We are not responsible for lender decisions or delays
• You use our service at your own risk

6.3 Force Majeure

We are not liable for delays or failures caused by circumstances beyond our reasonable control, including but not limited to:

• Changes in law or regulation
• Technical failures or cyber attacks
• Natural disasters or pandemics
• Third-party service interruptions

6.4 Regulatory Changes

The financial services regulatory environment may change. We reserve the right to modify our services or cease operations if regulatory changes make our service model unviable.

7. Privacy and Data Protection

7.1 Data Collection

We collect and process personal data in accordance with UK GDPR and Data Protection Act 2018. This includes:

• Personal identification information
• Financial agreement details
• Contact information
• Payment and transaction data
• Communication records

7.2 Data Usage

Your personal data is used solely for:

• Providing our car finance claims services
• Processing payments and managing your account
• Communicating with you about your case
• Improving our services and algorithms
• Complying with legal obligations

7.3 Data Security

We implement industry-standard security measures including:

• 256-bit SSL encryption for data transmission
• Secure cloud storage with restricted access
• Regular security audits and monitoring
• Staff training on data protection procedures

7.4 Your Rights

Under UK GDPR, you have the right to:

• Access your personal data
• Rectify inaccurate data
• Request deletion of your data
• Object to data processing
• Data portability
• Lodge complaints with the ICO

8. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. We will notify users of material changes via:

• Email notification to registered users
• Prominent website notices
• In-app notifications where applicable

Your continued use of our services after changes constitutes acceptance of the updated Terms.

9. Service Termination

9.1 Termination by You

You may terminate your use of our services at any time by:

• Contacting our support team
• Requesting account deletion
• Discontinuing use of our platform

9.2 Termination by Us

We may terminate or suspend your access if you:

• Violate these Terms of Service
• Provide false or misleading information
• Engage in fraudulent activities
• Use our service for illegal purposes

9.3 Effect of Termination

Upon termination:

• Your access to our platform will be disabled
• Any ongoing cases will be completed to the best of our ability
• No refunds will be provided except as outlined in our refund policy
• These Terms will remain in effect for completed transactions

10. Governing Law and Disputes

10.1 Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the English courts.

10.2 Dispute Resolution

Before initiating legal proceedings, we encourage resolution through:

1. Direct Contact: Contact our support team first
2. Internal Complaints Process: Formal complaint via our complaints procedure
3. Alternative Dispute Resolution: Mediation services if appropriate
4. Legal Action: Court proceedings as a last resort

10.3 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

11. Contact Information